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{-ms-flex: 0 0 58.333333%;flex: 0 0 58.333333%;max-width: 58.333333%;}.col-xl-8 {-ms-flex: 0 0 66.666667%;flex: 0 0 66.666667%;max-width: 66.666667%;}.col-xl-9 {-ms-flex: 0 0 75%;flex: 0 0 75%;max-width: 75%;}.col-xl-10 {-ms-flex: 0 0 83.333333%;flex: 0 0 83.333333%;max-width: 83.333333%;}.col-xl-11 {-ms-flex: 0 0 91.666667%;flex: 0 0 91.666667%;max-width: 91.666667%;}.col-xl-12 {-ms-flex: 0 0 100%;flex: 0 0 100%;max-width: 100%;}.order-xl-first {-ms-flex-order: -1;order: -1;}.order-xl-last {-ms-flex-order: 13;order: 13;}.order-xl-0 {-ms-flex-order: 0;order: 0;}.order-xl-1 {-ms-flex-order: 1;order: 1;}.order-xl-2 {-ms-flex-order: 2;order: 2;}.order-xl-3 {-ms-flex-order: 3;order: 3;}.order-xl-4 {-ms-flex-order: 4;order: 4;}.order-xl-5 {-ms-flex-order: 5;order: 5;}.order-xl-6 {-ms-flex-order: 6;order: 6;}.order-xl-7 {-ms-flex-order: 7;order: 7;}.order-xl-8 {-ms-flex-order: 8;order: 8;}.order-xl-9 {-ms-flex-order: 9;order: 9;}.order-xl-10 {-ms-flex-order: 10;order: 10;}.order-xl-11 {-ms-flex-order: 11;order: 11;}.order-xl-12 {-ms-flex-order: 12;order: 12;}.offset-xl-0 {margin-left: 0;}.offset-xl-1 {margin-left: 8.333333%;}.offset-xl-2 {margin-left: 16.666667%;}.offset-xl-3 {margin-left: 25%;}.offset-xl-4 {margin-left: 33.333333%;}.offset-xl-5 {margin-left: 41.666667%;}.offset-xl-6 {margin-left: 50%;}.offset-xl-7 {margin-left: 58.333333%;}.offset-xl-8 {margin-left: 66.666667%;}.offset-xl-9 {margin-left: 75%;}.offset-xl-10 {margin-left: 83.333333%;}.offset-xl-11 {margin-left: 91.666667%;}}.d-none {display: none !important;}.d-inline {display: inline !important;}.d-inline-block {display: inline-block !important;}.d-block {display: block !important;}.d-table {display: table !important;}.d-table-row {display: table-row !important;}.d-table-cell {display: table-cell !important;}.d-flex {display: -ms-flexbox !important;display: flex !important;}.d-inline-flex {display: -ms-inline-flexbox !important;display: inline-flex !important;}@media (min-width: 576px) {.d-sm-none {display: none !important;}.d-sm-inline {display: inline !important;}.d-sm-inline-block {display: inline-block !important;}.d-sm-block {display: block !important;}.d-sm-table {display: table !important;}.d-sm-table-row {display: table-row !important;}.d-sm-table-cell {display: table-cell !important;}.d-sm-flex {display: -ms-flexbox !important;display: flex !important;}.d-sm-inline-flex {display: -ms-inline-flexbox !important;display: inline-flex !important;}}@media (min-width: 768px) {.d-md-none {display: none !important;}.d-md-inline {display: inline !important;}.d-md-inline-block {display: inline-block !important;}.d-md-block {display: block !important;}.d-md-table {display: table !important;}.d-md-table-row {display: table-row !important;}.d-md-table-cell {display: table-cell !important;}.d-md-flex {display: -ms-flexbox !important;display: flex !important;}.d-md-inline-flex {display: -ms-inline-flexbox !important;display: inline-flex !important;}}@media (min-width: 992px) {.d-lg-none {display: none !important;}.d-lg-inline {display: inline !important;}.d-lg-inline-block {display: inline-block !important;}.d-lg-block {display: block !important;}.d-lg-table {display: table !important;}.d-lg-table-row {display: table-row !important;}.d-lg-table-cell {display: table-cell !important;}.d-lg-flex {display: -ms-flexbox !important;display: flex !important;}.d-lg-inline-flex {display: -ms-inline-flexbox !important;display: inline-flex !important;}}@media (min-width: 1200px) {.d-xl-none {display: none !important;}.d-xl-inline {display: inline !important;}.d-xl-inline-block {display: inline-block !important;}.d-xl-block {display: block !important;}.d-xl-table {display: table !important;}.d-xl-table-row {display: table-row !important;}.d-xl-table-cell {display: table-cell !important;}.d-xl-flex {display: -ms-flexbox !important;display: flex !important;}.d-xl-inline-flex {display: -ms-inline-flexbox !important;display: inline-flex !important;}}@media print {.d-print-none {display: none !important;}.d-print-inline {display: inline !important;}.d-print-inline-block {display: inline-block !important;}.d-print-block {display: block !important;}.d-print-table {display: table !important;}.d-print-table-row {display: table-row !important;}.d-print-table-cell {display: table-cell !important;}.d-print-flex {display: -ms-flexbox !important;display: flex !important;}.d-print-inline-flex {display: -ms-inline-flexbox !important;display: inline-flex !important;}}.
35flex-row {-ms-flex-direction: row !important;flex-direction: row !important;}.flex-column {-ms-flex-direction: column !important;flex-direction: column !important;}.flex-row-reverse {-ms-flex-direction: row-reverse !important;flex-direction: row-reverse !important;}.flex-column-reverse {-ms-flex-direction: column-reverse !important;flex-direction: column-reverse !important;}.flex-wrap {-ms-flex-wrap: wrap !important;flex-wrap: wrap !important;}.flex-nowrap {-ms-flex-wrap: nowrap !important;flex-wrap: nowrap !important;}.flex-wrap-reverse {-ms-flex-wrap: wrap-reverse !important;flex-wrap: wrap-reverse !important;}.flex-fill {-ms-flex: 1 1 auto !important;flex: 1 1 auto !important;}.flex-grow-0 {-ms-flex-positive: 0 !important;flex-grow: 0 !important;}.flex-grow-1 {-ms-flex-positive: 1 !important;flex-grow: 1 !important;}.flex-shrink-0 {-ms-flex-negative: 0 !important;flex-shrink: 0 !important;}.flex-shrink-1 {-ms-flex-negative: 1 !important;flex-shrink: 1 !important;}.justify-content-start {-ms-flex-pack: start !important;justify-content: flex-start !important;}.justify-content-end {-ms-flex-pack: end !important;justify-content: flex-end !important;}.justify-content-center {-ms-flex-pack: center !important;justify-content: center !important;}.justify-content-between {-ms-flex-pack: justify !important;justify-content: space-between !important;}.justify-content-around {-ms-flex-pack: distribute !important;justify-content: space-around !important;}.align-items-start {-ms-flex-align: start !important;align-items: flex-start !important;}.align-items-end {-ms-flex-align: end !important;align-items: flex-end !important;}.align-items-center {-ms-flex-align: center !important;align-items: center !important;}.align-items-baseline {-ms-flex-align: baseline !important;align-items: baseline !important;}.align-items-stretch {-ms-flex-align: stretch !important;align-items: stretch !important;}.align-content-start {-ms-flex-line-pack: start !important;align-content: flex-start !important;}.align-content-end {-ms-flex-line-pack: end !important;align-content: flex-end !important;}.align-content-center {-ms-flex-line-pack: center !important;align-content: center !important;}.align-content-between {-ms-flex-line-pack: justify !important;align-content: space-between !important;}.align-content-around {-ms-flex-line-pack: distribute !important;align-content: space-around !important;}.align-content-stretch {-ms-flex-line-pack: stretch !important;align-content: stretch !important;}.align-self-auto {-ms-flex-item-align: auto !important;align-self: auto !important;}.align-self-start {-ms-flex-item-align: start !important;align-self: flex-start !important;}.align-self-end {-ms-flex-item-align: end !important;align-self: flex-end !important;}.align-self-center {-ms-flex-item-align: center !important;align-self: center !important;}.align-self-baseline {-ms-flex-item-align: baseline !important;align-self: baseline !important;}.align-self-stretch {-ms-flex-item-align: stretch !important;align-self: stretch !important;}@media (min-width: 576px) {.flex-sm-row {-ms-flex-direction: row !important;flex-direction: row !important;}.flex-sm-column {-ms-flex-direction: column !important;flex-direction: column !important;}.flex-sm-row-reverse {-ms-flex-direction: row-reverse !important;flex-direction: row-reverse !important;}.flex-sm-column-reverse {-ms-flex-direction: column-reverse !important;flex-direction: column-reverse !important;}.flex-sm-wrap {-ms-flex-wrap: wrap !important;flex-wrap: wrap !important;}.flex-sm-nowrap {-ms-flex-wrap: nowrap !important;flex-wrap: nowrap !important;}.flex-sm-wrap-reverse {-ms-flex-wrap: wrap-reverse !important;flex-wrap: wrap-reverse !important;}.flex-sm-fill {-ms-flex: 1 1 auto !important;flex: 1 1 auto !important;}.flex-sm-grow-0 {-ms-flex-positive: 0 !important;flex-grow: 0 !important;}.flex-sm-grow-1 {-ms-flex-positive: 1 !important;flex-grow: 1 !important;}.flex-sm-shrink-0 {-ms-flex-negative: 0 !important;flex-shrink: 0 !important;}.flex-sm-shrink-1 {-ms-flex-negative: 1 !important;flex-shrink: 1 !important;}.justify-content-sm-start {-ms-flex-pack: start !important;justify-content: flex-start !important;}.justify-content-sm-end {-ms-flex-pack: end !important;justify-content: flex-end !important;}.justify-content-sm-center {-ms-flex-pack: center !important;justify-content: center !important;}.justify-content-sm-between {-ms-flex-pack: justify !important;justify-content: space-between !important;}.justify-content-sm-around {-ms-flex-pack: distribute !important;justify-content: space-around !important;}.align-items-sm-start {-ms-flex-align: start !important;align-items: flex-start !important;}.align-items-sm-end {-ms-flex-align: end !important;align-items: flex-end !important;}.align-items-sm-center {-ms-flex-align: center !important;align-items: center !important;}
35.align-items-sm-baseline {-ms-flex-align: baseline !important;align-items: baseline !important;}.align-items-sm-stretch {-ms-flex-align: stretch !important;align-items: stretch !important;}.align-content-sm-start {-ms-flex-line-pack: start !important;align-content: flex-start !important;}.align-content-sm-end {-ms-flex-line-pack: end !important;align-content: flex-end !important;}.align-content-sm-center {-ms-flex-line-pack: center !important;align-content: center !important;}.align-content-sm-between {-ms-flex-line-pack: justify !important;align-content: space-between !important;}.align-content-sm-around {-ms-flex-line-pack: distribute !important;align-content: space-around !important;}.align-content-sm-stretch {-ms-flex-line-pack: stretch !important;align-content: stretch !important;}.align-self-sm-auto {-ms-flex-item-align: auto !important;align-self: auto !important;}.align-self-sm-start {-ms-flex-item-align: start !important;align-self: flex-start !important;}.align-self-sm-end {-ms-flex-item-align: end !important;align-self: flex-end !important;}.align-self-sm-center {-ms-flex-item-align: center !important;align-self: center !important;}.align-self-sm-baseline {-ms-flex-item-align: baseline !important;align-self: baseline !important;}.align-self-sm-stretch {-ms-flex-item-align: stretch !important;align-self: stretch !important;}}@media (min-width: 768px) {.flex-md-row {-ms-flex-direction: row !important;flex-direction: row !important;}.flex-md-column {-ms-flex-direction: column !important;flex-direction: column !important;}.flex-md-row-reverse {-ms-flex-direction: row-reverse !important;flex-direction: row-reverse !important;}.flex-md-column-reverse {-ms-flex-direction: column-reverse !important;flex-direction: column-reverse !important;}.flex-md-wrap {-ms-flex-wrap: wrap !important;flex-wrap: wrap !important;}.flex-md-nowrap {-ms-flex-wrap: nowrap !important;flex-wrap: nowrap !important;}.flex-md-wrap-reverse {-ms-flex-wrap: wrap-reverse !important;flex-wrap: wrap-reverse !important;}.flex-md-fill {-ms-flex: 1 1 auto !important;flex: 1 1 auto !important;}.flex-md-grow-0 {-ms-flex-positive: 0 !important;flex-grow: 0 !important;}.flex-md-grow-1 {-ms-flex-positive: 1 !important;flex-grow: 1 !important;}.flex-md-shrink-0 {-ms-flex-negative: 0 !important;flex-shrink: 0 !important;}.flex-md-shrink-1 {-ms-flex-negative: 1 !important;flex-shrink: 1 !important;}.justify-content-md-start {-ms-flex-pack: start !important;justify-content: flex-start !important;}.justify-content-md-end {-ms-flex-pack: end !important;justify-content: flex-end !important;}.justify-content-md-center {-ms-flex-pack: center !important;justify-content: center !important;}.justify-content-md-between {-ms-flex-pack: justify !important;justify-content: space-between !important;}.justify-content-md-around {-ms-flex-pack: distribute !important;justify-content: space-around !important;}.align-items-md-start {-ms-flex-align: start !important;align-items: flex-start !important;}.align-items-md-end {-ms-flex-align: end !important;align-items: flex-end !important;}.align-items-md-center {-ms-flex-align: center !important;align-items: center !important;}.align-items-md-baseline {-ms-flex-align: baseline !important;align-items: baseline !important;}.align-items-md-stretch {-ms-flex-align: stretch !important;align-items: stretch !important;}.align-content-md-start {-ms-flex-line-pack: start !important;align-content: flex-start !important;}.align-content-md-end {-ms-flex-line-pack: end !important;align-content: flex-end !important;}.align-content-md-center {-ms-flex-line-pack: center !important;align-content: center !important;}.align-content-md-between {-ms-flex-line-pack: justify !important;align-content: space-between !important;}.align-content-md-around {-ms-flex-line-pack: distribute !important;align-content: space-around !important;}.align-content-md-stretch {-ms-flex-line-pack: stretch !important;align-content: stretch !important;}.align-self-md-auto {-ms-flex-item-align: auto !important;align-self: auto !important;}.align-self-md-start {-ms-flex-item-align: start !important;align-self: flex-start !important;}.align-self-md-end {-ms-flex-item-align: end !important;align-self: flex-end !important;}.align-self-md-center {-ms-flex-item-align: center !important;align-self: center !important;}
35.align-self-md-baseline {-ms-flex-item-align: baseline !important;align-self: baseline !important;}.align-self-md-stretch {-ms-flex-item-align: stretch !important;align-self: stretch !important;}}@media (min-width: 992px) {.flex-lg-row {-ms-flex-direction: row !important;flex-direction: row !important;}.flex-lg-column {-ms-flex-direction: column !important;flex-direction: column !important;}.flex-lg-row-reverse {-ms-flex-direction: row-reverse !important;flex-direction: row-reverse !important;}.flex-lg-column-reverse {-ms-flex-direction: column-reverse !important;flex-direction: column-reverse !important;}.flex-lg-wrap {-ms-flex-wrap: wrap !important;flex-wrap: wrap !important;}.flex-lg-nowrap {-ms-flex-wrap: nowrap !important;flex-wrap: nowrap !important;}.flex-lg-wrap-reverse {-ms-flex-wrap: wrap-reverse !important;flex-wrap: wrap-reverse !important;}.flex-lg-fill {-ms-flex: 1 1 auto !important;flex: 1 1 auto !important;}.flex-lg-grow-0 {-ms-flex-positive: 0 !important;flex-grow: 0 !important;}.flex-lg-grow-1 {-ms-flex-positive: 1 !important;flex-grow: 1 !important;}.flex-lg-shrink-0 {-ms-flex-negative: 0 !important;flex-shrink: 0 !important;}.flex-lg-shrink-1 {-ms-flex-negative: 1 !important;flex-shrink: 1 !important;}.justify-content-lg-start {-ms-flex-pack: start !important;justify-content: flex-start !important;}.justify-content-lg-end {-ms-flex-pack: end !important;justify-content: flex-end !important;}.justify-content-lg-center {-ms-flex-pack: center !important;justify-content: center !important;}.justify-content-lg-between {-ms-flex-pack: justify !important;justify-content: space-between !important;}.justify-content-lg-around {-ms-flex-pack: distribute !important;justify-content: space-around !important;}.align-items-lg-start {-ms-flex-align: start !important;align-items: flex-start !important;}.align-items-lg-end {-ms-flex-align: end !important;align-items: flex-end !important;}.align-items-lg-center {-ms-flex-align: center !important;align-items: center !important;}.align-items-lg-baseline {-ms-flex-align: baseline !important;align-items: baseline !important;}.align-items-lg-stretch {-ms-flex-align: stretch !important;align-items: stretch !important;}.align-content-lg-start {-ms-flex-line-pack: start !important;align-content: flex-start !important;}.align-content-lg-end {-ms-flex-line-pack: end !important;align-content: flex-end !important;}.align-content-lg-center {-ms-flex-line-pack: center !important;align-content: center !important;}.align-content-lg-between {-ms-flex-line-pack: justify !important;align-content: space-between !important;}.align-content-lg-around {-ms-flex-line-pack: distribute !important;align-content: space-around !important;}.align-content-lg-stretch {-ms-flex-line-pack: stretch !important;align-content: stretch !important;}.align-self-lg-auto {-ms-flex-item-align: auto !important;align-self: auto !important;}.align-self-lg-start {-ms-flex-item-align: start !important;align-self: flex-start !important;}.align-self-lg-end {-ms-flex-item-align: end !important;align-self: flex-end !important;}.align-self-lg-center {-ms-flex-item-align: center !important;align-self: center !important;}.align-self-lg-baseline {-ms-flex-item-align: baseline !important;align-self: baseline !important;}.align-self-lg-stretch {-ms-flex-item-align: stretch !important;align-self: stretch !important;}}@media (min-width: 1200px) {.flex-xl-row {-ms-flex-direction: row !important;flex-direction: row !important;}.flex-xl-column {-ms-flex-direction: column !important;flex-direction: column !important;}.flex-xl-row-reverse {-ms-flex-direction: row-reverse !important;flex-direction: row-reverse !important;}.flex-xl-column-reverse {-ms-flex-direction: column-reverse !important;flex-direction: column-reverse !important;}.flex-xl-wrap {-ms-flex-wrap: wrap !important;flex-wrap: wrap !important;}.flex-xl-nowrap {-ms-flex-wrap: nowrap !important;flex-wrap: nowrap !important;}.flex-xl-wrap-reverse {-ms-flex-wrap: wrap-reverse !important;flex-wrap: wrap-reverse !important;}.flex-xl-fill {-ms-flex: 1 1 auto !important;flex: 1 1 auto !important;}.flex-xl-grow-0 {-ms-flex-positive: 0 !important;flex-grow: 0 !important;}.flex-xl-grow-1 {-ms-flex-positive: 1 !important;flex-grow: 1 !important;}.flex-xl-shrink-0 {-ms-flex-negative: 0 !important;flex-shrink: 0 !important;}.flex-xl-shrink-1 {-ms-flex-negative: 1 !important;flex-shrink: 1 !important;}.justify-content-xl-start {-ms-flex-pack: start !important;justify-content: flex-start !important;}.justify-content-xl-end {-ms-flex-pack: end !important;justify-content: flex-end !important;}.justify-content-xl-center {-ms-flex-pack: center !important;justify-content: center !important;}.justify-content-xl-between {-ms-flex-pack: justify !important;justify-content: space-between !important;}.justify-content-xl-around {-ms-flex-pack: distribute !important;justify-content: space-around !important;}.align-items-xl-start {-ms-flex-align: start !important;align-items: flex-start !important;}.align-items-xl-end {-ms-flex-align: end !important;align-items: flex-end !important;}.align-items-xl-center {-ms-flex-align: center !important;align-items: center !important;}
35.align-items-xl-baseline {-ms-flex-align: baseline !important;align-items: baseline !important;}.align-items-xl-stretch {-ms-flex-align: stretch !important;align-items: stretch !important;}.align-content-xl-start {-ms-flex-line-pack: start !important;align-content: flex-start !important;}.align-content-xl-end {-ms-flex-line-pack: end !important;align-content: flex-end !important;}.align-content-xl-center {-ms-flex-line-pack: center !important;align-content: center !important;}.align-content-xl-between {-ms-flex-line-pack: justify !important;align-content: space-between !important;}.align-content-xl-around {-ms-flex-line-pack: distribute !important;align-content: space-around !important;}.align-content-xl-stretch {-ms-flex-line-pack: stretch !important;align-content: stretch !important;}.align-self-xl-auto {-ms-flex-item-align: auto !important;align-self: auto !important;}.align-self-xl-start {-ms-flex-item-align: start !important;align-self: flex-start !important;}.align-self-xl-end {-ms-flex-item-align: end !important;align-self: flex-end !important;}.align-self-xl-center {-ms-flex-item-align: center !important;align-self: center !important;}.align-self-xl-baseline {-ms-flex-item-align: baseline !important;align-self: baseline !important;}.align-self-xl-stretch {-ms-flex-item-align: stretch !important;align-self: stretch !important;}}.m-0 {margin: 0 !important;}.mt-0,.my-0 {margin-top: 0 !important;}.mr-0,.mx-0 {margin-right: 0 !important;}.mb-0,.my-0 {margin-bottom: 0 !important;}.ml-0,.mx-0 {margin-left: 0 !important;}.m-1 {margin: 0.25rem !important;}.mt-1,.my-1 {margin-top: 0.25rem !important;}.mr-1,.mx-1 {margin-right: 0.25rem !important;}.mb-1,.my-1 {margin-bottom: 0.25rem !important;}.ml-1,.mx-1 {margin-left: 0.25rem !important;}.m-2 {margin: 0.5rem !important;}.mt-2,.my-2 {margin-top: 0.5rem !important;}.mr-2,.mx-2 {margin-right: 0.5rem !important;}.mb-2,.my-2 {margin-bottom: 0.5rem !important;}.ml-2,.mx-2 {margin-left: 0.5rem !important;}.m-3 {margin: 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35ottom: 1rem !important;}.pl-lg-3,.px-lg-3 {padding-left: 1rem !important;}.p-lg-4 {padding: 1.5rem !important;}.pt-lg-4,.py-lg-4 {padding-top: 1.5rem !important;}.pr-lg-4,.px-lg-4 {padding-right: 1.5rem !important;}.pb-lg-4,.py-lg-4 {padding-bottom: 1.5rem !important;}.pl-lg-4,.px-lg-4 {padding-left: 1.5rem !important;}.p-lg-5 {padding: 3rem !important;}.pt-lg-5,.py-lg-5 {padding-top: 3rem !important;}.pr-lg-5,.px-lg-5 {padding-right: 3rem !important;}.pb-lg-5,.py-lg-5 {padding-bottom: 3rem !important;}.pl-lg-5,.px-lg-5 {padding-left: 3rem !important;}.m-lg-n1 {margin: -0.25rem !important;}.mt-lg-n1,.my-lg-n1 {margin-top: -0.25rem !important;}.mr-lg-n1,.mx-lg-n1 {margin-right: -0.25rem !important;}.mb-lg-n1,.my-lg-n1 {margin-bottom: -0.25rem !important;}.ml-lg-n1,.mx-lg-n1 {margin-left: -0.25rem !important;}.m-lg-n2 {margin: -0.5rem !important;}.mt-lg-n2,.my-lg-n2 {margin-top: -0.5rem !important;}.mr-lg-n2,.mx-lg-n2 {margin-right: -0.5rem !important;}.mb-lg-n2,.my-lg-n2 {margin-bottom: -0.5rem !important;}.ml-lg-n2,.mx-lg-n2 {margin-left: -0.5rem !important;}.m-lg-n3 {margin: -1rem !important;}.mt-lg-n3,.my-lg-n3 {margin-top: -1rem !important;}.mr-lg-n3,.mx-lg-n3 {margin-right: -1rem !important;}.mb-lg-n3,.my-lg-n3 {margin-bottom: -1rem !important;}.ml-lg-n3,.mx-lg-n3 {margin-left: -1rem !important;}.m-lg-n4 {margin: -1.5rem !important;}.mt-lg-n4,.my-lg-n4 {margin-top: -1.5rem !important;}.mr-lg-n4,.mx-lg-n4 {margin-right: -1.5rem !important;}.mb-lg-n4,.my-lg-n4 {margin-bottom: -1.5rem !important;}.ml-lg-n4,.mx-lg-n4 {margin-left: -1.5rem !important;}.m-lg-n5 {margin: -3rem !important;}.mt-lg-n5,.my-lg-n5 {margin-top: -3rem !important;}.mr-lg-n5,.mx-lg-n5 {margin-right: -3rem !important;}.mb-lg-n5,.my-lg-n5 {margin-bottom: -3rem !important;}.ml-lg-n5,.mx-lg-n5 {margin-left: -3rem !important;}.m-lg-auto {margin: auto !important;}.mt-lg-auto,.my-lg-auto {margin-top: auto !important;}.mr-lg-auto,.mx-lg-auto {margin-right: auto !important;}.mb-lg-auto,.my-lg-auto {margin-bottom: auto !important;}.ml-lg-auto,.mx-lg-auto {margin-left: auto !important;}}@media (min-width: 1200px) {.m-xl-0 {margin: 0 !important;}.mt-xl-0,.my-xl-0 {margin-top: 0 !important;}.mr-xl-0,.mx-xl-0 {margin-right: 0 !important;}.mb-xl-0,.my-xl-0 {margin-bottom: 0 !important;}.ml-xl-0,.mx-xl-0 {margin-left: 0 !important;}.m-xl-1 {margin: 0.25rem !important;}.mt-xl-1,.my-xl-1 {margin-top: 0.25rem !important;}.mr-xl-1,.mx-xl-1 {margin-right: 0.25rem !important;}.mb-xl-1,.my-xl-1 {margin-bottom: 0.25rem !important;}.ml-xl-1,.mx-xl-1 {margin-left: 0.25rem !important;}.m-xl-2 {margin: 0.5rem !important;}.mt-xl-2,.my-xl-2 {margin-top: 0.5rem !important;}.mr-xl-2,.mx-xl-2 {margin-right: 0.5rem !important;}.mb-xl-2,.my-xl-2 {margin-bottom: 0.5rem !important;}.ml-xl-2,.mx-xl-2 {margin-left: 0.5rem !important;}.m-xl-3 {margin: 1rem !important;}.mt-xl-3,.my-xl-3 {margin-top: 1rem !important;}.mr-xl-3,.mx-xl-3 {margin-right: 1rem !important;}.mb-xl-3,.my-xl-3 {margin-bottom: 1rem !important;}.ml-xl-3,.mx-xl-3 {margin-left: 1rem !important;}.m-xl-4 {margin: 1.5rem !important;}.mt-xl-4,.my-xl-4 {margin-top: 1.5rem !important;}.mr-xl-4,.mx-xl-4 {margin-right: 1.5rem !important;}.mb-xl-4,.my-xl-4 {margin-bottom: 1.5rem !important;}.ml-xl-4,.mx-xl-4 {margin-left: 1.5rem !important;}.m-xl-5 {margin: 3rem !important;}.mt-xl-5,.my-xl-5 {margin-top: 3rem !important;}.mr-xl-5,.mx-xl-5 {margin-right: 3rem !important;}.mb-xl-5,.my-xl-5 {margin-bottom: 3rem !important;}.ml-xl-5,.mx-xl-5 {margin-left: 3rem !important;}.p-xl-0 {padding: 0 !important;}.pt-xl-0,.py-xl-0 {padding-top: 0 !important;}.pr-xl-0,.px-xl-0 {padding-right: 0 !important;}.pb-xl-0,.py-xl-0 {padding-bottom: 0 !important;}.pl-xl-0,.px-xl-0 {padding-left: 0 !important;}.p-xl-1 {padding: 0.25rem !important;}.pt-xl-1,.py-xl-1 {padding-top: 0.25rem !important;}.pr-xl-1,.px-xl-1 {padding-right: 0.25rem !important;}.pb-xl-1,.py-xl-1 {padding-bottom: 0.25rem !important;}.pl-xl-1,.px-xl-1 {padding-left: 0.25rem !important;}.p-xl-2 {padding: 0.5rem !important;}.pt-xl-2,.py-xl-2 {padding-top: 0.5rem !important;}.pr-xl-2,.px-xl-2 {padding-right: 0.5rem !important;}.pb-xl-2,.py-xl-2 {padding-bottom: 0.5rem !important;}
35.pl-xl-2,.px-xl-2 {padding-left: 0.5rem !important;}.p-xl-3 {padding: 1rem !important;}.pt-xl-3,.py-xl-3 {padding-top: 1rem !important;}.pr-xl-3,.px-xl-3 {padding-right: 1rem !important;}.pb-xl-3,.py-xl-3 {padding-bottom: 1rem !important;}.pl-xl-3,.px-xl-3 {padding-left: 1rem !important;}.p-xl-4 {padding: 1.5rem !important;}.pt-xl-4,.py-xl-4 {padding-top: 1.5rem !important;}.pr-xl-4,.px-xl-4 {padding-right: 1.5rem !important;}.pb-xl-4,.py-xl-4 {padding-bottom: 1.5rem !important;}.pl-xl-4,.px-xl-4 {padding-left: 1.5rem !important;}.p-xl-5 {padding: 3rem !important;}.pt-xl-5,.py-xl-5 {padding-top: 3rem !important;}.pr-xl-5,.px-xl-5 {padding-right: 3rem !important;}.pb-xl-5,.py-xl-5 {padding-bottom: 3rem !important;}.pl-xl-5,.px-xl-5 {padding-left: 3rem !important;}.m-xl-n1 {margin: -0.25rem !important;}.mt-xl-n1,.my-xl-n1 {margin-top: -0.25rem !important;}.mr-xl-n1,.mx-xl-n1 {margin-right: -0.25rem !important;}.mb-xl-n1,.my-xl-n1 {margin-bottom: -0.25rem !important;}.ml-xl-n1,.mx-xl-n1 {margin-left: -0.25rem !important;}.m-xl-n2 {margin: -0.5rem !important;}.mt-xl-n2,.my-xl-n2 {margin-top: -0.5rem !important;}.mr-xl-n2,.mx-xl-n2 {margin-right: -0.5rem !important;}.mb-xl-n2,.my-xl-n2 {margin-bottom: -0.5rem !important;}.ml-xl-n2,.mx-xl-n2 {margin-left: -0.5rem !important;}.m-xl-n3 {margin: -1rem !important;}.mt-xl-n3,.my-xl-n3 {margin-top: -1rem !important;}.mr-xl-n3,.mx-xl-n3 {margin-right: -1rem !important;}.mb-xl-n3,.my-xl-n3 {margin-bottom: -1rem !important;}.ml-xl-n3,.mx-xl-n3 {margin-left: -1rem !important;}.m-xl-n4 {margin: -1.5rem !important;}.mt-xl-n4,.my-xl-n4 {margin-top: -1.5rem !important;}.mr-xl-n4,.mx-xl-n4 {margin-right: -1.5rem !important;}.mb-xl-n4,.my-xl-n4 {margin-bottom: -1.5rem !important;}.ml-xl-n4,.mx-xl-n4 {margin-left: -1.5rem !important;}.m-xl-n5 {margin: -3rem !important;}.mt-xl-n5,.my-xl-n5 {margin-top: -3rem !important;}.mr-xl-n5,.mx-xl-n5 {margin-right: -3rem !important;}.mb-xl-n5,.my-xl-n5 {margin-bottom: -3rem !important;}.ml-xl-n5,.mx-xl-n5 {margin-left: -3rem !important;}.m-xl-auto {margin: auto !important;}.mt-xl-auto,.my-xl-auto {margin-top: auto !important;}.mr-xl-auto,.mx-xl-auto {margin-right: auto !important;}.mb-xl-auto,.my-xl-auto {margin-bottom: auto !important;}.ml-xl-auto,.mx-xl-auto {margin-left: auto !important;}}</style> 36 <style>:root {--font-family-default: "Helvetica", sans-serif;--font-size-plus-9: 5rem;--font-size-plus-8: 4.5rem;--font-size-plus-7: 3.75rem;--font-size-plus-6: 3rem;--font-size-plus-5: 2.625rem;--font-size-plus-4: 2.25rem;--font-size-plus-3: 1.75rem;--font-size-plus-2: 1.5rem;--font-size-plus-1: 1.25rem;--font-size-baseline: 1rem;--font-size-minus-1: 0.875rem;--font-size-minus-2: 0.75rem;--baseline: 1.5rem;--gutter: 24px;--max-container-width: 1400px;--light-grey-1: hsl(0, 0%, 96%);--light-grey-2: hsl(0, 0%, 90%);--light-grey-3: hsl(0, 0%, 80%);--mid-grey-1: hsl(0, 0%, 70%);--mid-grey-2: hsl(0, 0%, 60%);--mid-grey-3: hsl(0, 0%, 50%);--dark-grey-1: hsl(0, 0%, 46%);--dark-grey-2: hsl(0, 0%, 30%);--dark-grey-3: hsl(0, 0%, 20%);--off-black: hsl(0, 0%, 10%);--highlight: hsl(50, 100%, 48%);--error: hsl(0, 79%, 53%);--success: hsl(146, 51%, 28%);--light-yellow: hsl(58.6, 58.7%, 70.6%);--sky: #4F7A8C;--lichen: hsl(99, 6%, 56%);--barley: hsl(31, 25%, 56%);--heather: hsl(332, 16%, 23%);--slate: hsl(216, 9%, 22%);--forest: hsl(165, 13%, 24%);--slate-tint: hsl(206, 7%, 60%);--sky-tint: hsl(198, 28%, 80%);--light-weight: 200;--regular-weight: 400;--medium-weight: 500;--medium-weight-2: 600;--bold-weight: 700;--measure: 40em;--bp-xs: 480px;--bp-sm: 768px;--bp-md: 1024px;--bp-lg: 1200px;--arrow-svg-sky: url("data: image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='25.553' height='15.031' viewBox='0 0 25.553 15.031'%3E%3Cg data-name='Group 60'%3E%3Cpath data-name='Path 635' d='M25.553 7.514a1.264 1.264 0 00-.305-.775L19.236.35a1.291 1.291 0 00-1.644-.094 1.174 1.174 0 00.012 1.644l4.228 4.486h-20.7a1.127 1.127 0 000 2.255h20.7L17.6 13.127a1.242 1.242 0 00-.012 1.644 1.275 1.275 0 001.644-.094l6.012-6.389a1.084 1.084 0 00.305-.775z' fill='%236F9BAEFF'%3E%3C/path%3E%3C/g%3E%3C/svg%3E");--arrow-svg-sky-down: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='25' height='25' viewB
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scroll-behavior: smooth;}main {font-size: var(--font-size-plus-1);}a, .btn, .button {color: inherit;transition: color 0.2s ease-out, background-color 0.2s ease-out, opacity 0.2s ease-out, border-color 0.2s ease-out, text-decoration 0.2s ease-out, background-position 0.2s ease-out;}a:hover {color: inherit;text-decoration: none;}p a {color: var(--sky);display: inline-block;padding-right: 15px;}p a:after {content: "";position: relative;right: -8px;top: 2px;width: 15px;height: 15px;display: inline-block;background-image: var(--arrow-sky-new);background-repeat: no-repeat;background-position: center;}p a:hover {color: var(--sky);text-decoration: underline;}p a:active {outline: 1px dashed #262626;outline-offset: 2px;}strong,b {font-weight: var(--bold-weight);}.link-external {position: relative;margin-right: 20px;}.link-external:after, .link-external#text:after {content: '';background-image: url("/themes/ud/img/ext-link.svg");background-position: center;background-size: contain;bottom: 5px;right: -18px;width: 15px;height: 15px;position: absolute;}.bg-dark .link-external:after, .bg-dark .link-external#text:after, .bg-dark .link-external:after, .bg-dark .link-external#text:after, .bg-dark .link-external:after, .bg-dark .link-external#text:after, .bg-dark .link-external:after, .bg-dark .link-external#text:after {background-image: url("/themes/ud/img/ext-link-white.svg");}.footer-social .link-external:after {display: none;}.link-pdf span{position: relative;}.link-pdf span:after {content: '';position: absolute;background-image: url("/themes/ud/img/pdf-dark.png");background-position: center;background-size: contain;right: -25px;
36width: 20px;height: 20px;}.visually-hidden {position: absolute !important;overflow: hidden;clip: rect(1px, 1px, 1px, 1px);width: 1px;height: 1px;word-wrap: normal;}.row {margin-left: -16px;margin-right: -16px;}.container, .container-fluid, .container-sm, .container-md, .container-lg, .container-xl, .col-1, .col-2, .col-3, .col-4, .col-5, .col-6, .col-7, .col-8, .col-9, .col-10, .col-11, .col-12, .col, .col-auto, .col-sm-1, .col-sm-2, .col-sm-3, .col-sm-4, .col-sm-5, .col-sm-6, .col-sm-7, .col-sm-8, .col-sm-9, .col-sm-10, .col-sm-11, .col-sm-12, .col-sm, .col-sm-auto, .col-md-1, .col-md-2, .col-md-3, .col-md-4, .col-md-5, .col-md-6, .col-md-7, .col-md-8, .col-md-9, .col-md-10, .col-md-11, .col-md-12, .col-md, .col-md-auto, .col-lg-1, .col-lg-2, .col-lg-3, .col-lg-4, .col-lg-5, .col-lg-6, .col-lg-7, .col-lg-8, .col-lg-9, .col-lg-10, .col-lg-11, .col-lg-12, .col-lg, .col-lg-auto, .col-xl-1, .col-xl-2, .col-xl-3, .col-xl-4, .col-xl-5, .col-xl-6, .col-xl-7, .col-xl-8, .col-xl-9, .col-xl-10, .col-xl-11, .col-xl-12, .col-xl, .col-xl-auto {padding-left: 16px;padding-right: 16px;}hr {border: 4px solid var(--slate);border-left: none;border-right: none;margin: 0;height: 20px;}hr.hr-top {border-bottom: none;margin-top: 20px;}hr.hr-bottom {border-top: none;margin-bottom: 20px;}.bg-dark hr,.bg-barley hr,.bg-sky hr,.bg-heather hr {border-color: #fff;}hr.content-break {border-width: 1px;border-top: none;height: 1px;}h1 {font-size: var(--font-size-plus-7);font-weight: var(--regular-weight);line-height: 1;max-width: 500px;}h2 {font-size: var(--font-size-plus-1);line-height: 26px;font-weight: var(--medium-weight);}.banner h2 {font-size: 40px;line-height: 43px;font-weight: 400;color: var(--mid-grey-1);}.banner highlight {display: block;max-width: 300px;color: var(--mid-grey-2);}.is-front .banner highlight {color: rgba(255, 255, 255, 0.4);}.banner .strapline {padding-left: 0; padding-right: 0;}h2.publication-section-title, .paragraph-title {font-size: 28px;line-height: 1.1;margin-bottom: 24px;}.contact-section h2 {font-size: 28px;font-weight: 700;line-height: 30px; }h3 {font-size: var(--font-size-plus-2);line-height: 40px;font-weight: 700;}p, .body-text {font-weight: 300;margin-bottom: 1rem;}p highlight {font-weight: var(--medium-weight-2);}ul {padding-left: 0;margin: 10px 0;list-style: none;}li {margin: 2px 0}.text-baseline {font-size: var(--font-size-baseline);}.text-plus-8 {font-size: var(--font-size-plus-8);line-height: 1.1;}.text-plus-7 {font-size: var(--font-size-plus-8);}.text-minus-1 {font-size: var(--font-size-minus-1);}.text-minus-2 {font-size: var(--font-size-minus-2);}.text-bold {font-weight: var(--bold-weight);}.text-medium {font-weight: var(--medium-weight);}.text-label {color: var(--dark-grey-1);}.text-white {color: #fff !important;}.text-no-text {height: 21px;}button, .button {border: none;background: none;}.btn, .user-pages .button {display: inline-block;font-size: var(--font-size-baseline);font-weight: var(--medium-weight);color: #fff;background-color: #4F7A8C;padding: 12px 41px 12px 24px;);text-align: center;background-image: var(--arrow-white-new);background-repeat: no-repeat;background-position: calc(100% - 14px) center;}.btn:hover, .user-pages .button:hover {background-color: #33373D;color: #fff;background-image: var(--arrow-white-new);text-decoration: none;}.btn:active, .user-pages .button:active {outline: 1px dashed #262626;outline-offset: 2px;}.btn--secondary {background-color: white;color: var(--slate);background-image: var(--arrow-black-new);}.bg-light .btn--secondary{background: #4F7A8C;color: #fff ;background-image: url("/themes/ud/img/white-arrow.svg");background-repeat: no-repeat;background-position: calc(100% - 14px) center;}.btn--secondary:hover {background-color: #262626;color: #fff;background-image: var(--arrow-white-new);}:is(.btn,.user-pages .button):focus {box-shadow: inset 0px -3px #333;outline: none;transition-duration: 0s !important;outline-offset: 0;background-color: #fdd522;color: #333 !important;background-image: var(--arrow-black-new);text-decoration: none;}.btn--green {color: #ffffff;background-color: #4F7A8C;background-image: url("/themes/ud/img/white-arrow.svg");}.bg-dark .btn {background: #fff;color: #33373D;background-image: var(--arrow-black-new);background-repeat: no-repeat;background-position: calc(100% - 14px) center;}.bg-dark .btn:hover {background: #4F7A8C;color: #fff ;background-image: url("/themes/ud/img/white-arrow.svg");background-repeat: no-repeat;background-position: calc(100% - 14px) center;}.mid-grey-3 {color: var(--mid-grey-3) !important;}.bg-dark {background-color: var(--slate) !important;color: var(--light-grey-1) !important;}.bg-light {background-color: var(--light-grey-1) !important;color: var(--dark-grey-3) !important;}.bg-barley {background-color: var(--barley) !important;color: #fff !important;}.bg-heather {background-color: var(--heather) !important;color: #fff !important;}.bg-sky {background-color: var(--sky) !important;color: #fff !important;}.bg-white {background-color: #fff !important;color: var(--dark-grey-3) !important;}.main {background-color: var(--light-grey-1);}header, .banner {background-color: #fff;color: var(--off-black);}.logo svg .the-bank,.logo svg .measure {fill: var(--off-black);}header ul.menu li a {color: var(--off-black);}.node-body {color: var(--off-black);}header .branding {margin: 0 auto;min-height: 75px;
36display: flex;flex-wrap: wrap;justify-content: space-between;align-items: center;padding-top: 12px;}header .branding .logo {flex-grow: 1;width: 70%;padding-right: 15px;}header .logo svg {width: 100%;height: auto;}header .branding .main-nav {display: none;margin-left: auto;}header ul.menu {list-style: none;display: flex;justify-content: space-between;padding: 5px 10px 0 20px;margin: 0;}header ul.menu li {padding: 0 5px;display: flex;}header ul.menu li a, header ul.menu li span {padding: 0 5px;position: relative;font-weight: unset;}header ul.menu li a:hover, footer .py-5 a:hover {opacity: 0.6;}header.overlay-on {background-color: var(--slate) !important;color: var(--light-grey-1) !important;}header.overlay-on ul.menu li a {color: var(--light-grey-1);}header.overlay-on .logo svg .the-bank,header.overlay-on .logo svg .measure {fill: var(--light-grey-1);}header.overlay-on .mobile-nav-buttons rect,header.overlay-on .mobile-nav-buttons path,header.overlay-on .search svg * {fill: #fff;}.mobile-nav-icon-close {padding:0 0 5px 0;}.menu-item--expanded {position: relative;}.main-nav nav > .menu > .menu-item--expanded > .menu {opacity: 0;pointer-events: none;display: flex;flex-direction: column;padding: 15px 20px;gap: 8px;position: absolute;height: auto;transition: opacity 0.3s ease;text-align: left;white-space: nowrap;background-color: var(--slate);z-index: 999999;min-width: 300px;right: 0;top: 24px;left: auto;right: -150px;}.main-nav nav > .menu > .menu-item--expanded:last-child > .menu {right: 0;left: auto;}.main-nav nav > .menu > .menu-item--expanded > .menu a {color: var(--light-grey-1);}.main-nav nav > .menu > .menu-item--expanded:hover > .menu, .main-nav nav > .menu > .menu-item--expanded > .menu:focus-within {opacity: 1;pointer-events: auto;}.main-nav nav > .menu > .menu-item--expanded:hover > .menu > .menu-item--expanded > .menu, .main-nav nav > .menu > .menu-item--expanded:hover > .menu > .menu-item--expanded:after, .main-nav nav > .menu > .menu-item--expanded > .menu > .menu-item--expanded > .menu, .main-nav nav > .menu > .menu-item--expanded > .menu > .menu-item--expanded:after {display: none;}.menu .menu-item--expanded:after {content: "";position: absolute;right: 0;top: 4px;width: 15px;height: 15px;background-image: var(--menu-arrow-black);background-repeat: no-repeat;background-position: center;transition: all 0.3s ease;}.menu .menu-item--expanded:hover:after {transform: rotate(180deg);}header .search {border-left: none;margin-left: auto;}header .search svg * {fill: var(--off-black);}.overlay-on .search svg * {fill: #fff;}.overlay-on .mobile-nav-buttons *{stroke: #fff;}header .mobile-nav-buttons .mobile-nav-icon-close *{stroke: #fff;}header .mobile-nav-buttons svg *{stroke: var(--off-black);}header .search .search-icon-close {display: none;}.search-form-overlay {display: none;position: absolute;top: 0;width: 100%;height: 100%;background-color: rgba(51, 55, 61, 1);color: #fff;z-index: 2;border-bottom: 4px solid var(--light-grey-1);}.search-form-inner {background-color: var(--slate);padding:0 0 320px 0;}.search-form-overlay.show {display: block;}#search-form #edit-basic {display: flex;align-items: end;}#search-block-form {display: flex;}#search-form .js-form-item,#search-block-form .js-form-item {flex: 1;border-bottom: 2px solid #fff;}#search-form .form-actions,#search-block-form .form-actions {border-bottom: 2px solid #fff;}#search-form .form-actions button,#search-block-form .form-actions button {width: 42px;}#search-form .form-search,#search-block-form .form-search {height: 45px;width: 100%;border: none;color: var(--sky);font-size: 20px;line-height: 1.2;background-color: transparent;}.search-form-overlay #search-block-form .form-search {color: #fff;}.custom-search-form form {border-bottom: 2px solid var(--slate);}.custom-search-form #search-form #edit-submit svg * {fill: var(--sky);}#search-form #edit-submit {border: none;}#search-form #edit-submit svg * {fill: var(--off-black);}.search-result-item {padding: 20px 0;border-top: 1px solid #C9C6C5;}.search-result-item p {font-size: var(--font-size-baseline);}.breadcrumb {display: flex; flex-direction: row; align-items: center}a.bc-item {position: relative;margin-right: 20px;font-size: 16px;}a.bc-item .bc-item_label {text-decoration: underline;font-size: 16px;}.bc-item_label.title {font-size: 16px;}a.bc-item:after {content: "";position: absolute;top: 10px;right: -15px;width: 0;height: 0;border-right: 4px solid transparent;border-left: 4px solid transparent;
36border-top: 4px solid #ccc;transform: rotate(270deg);}nav.pager {padding: 40px 0;}nav.pager ul {display: flex;justify-content: center;}nav.pager ul li {margin: 0 2px;}nav.pager ul li a {padding: 20px 27px;}nav.pager ul li.is-active a,nav.pager ul li a:hover {background-color: var(--light-grey-2);border-bottom: 2px solid var(--sky);}.mobile-nav-buttons {}.mobile-nav-buttons rect, .mobile-nav-buttons path {fill: var(--off-black);}.mobile-nav-buttons .mobile-nav-icon-close {display: none;}.mobile-nav {display: none;position: absolute;top: 0;width: 100%;height: 100vh;overflow-y: scroll;background-color: rgba(51, 55, 61, 1);color: #fff;z-index: 2;border-bottom: 4px solid var(--light-grey-1);padding-bottom: 150px;}.mobile-nav.show {display: block;}.mobile-nav nav > ul.menu > .menu-item--expanded, .mobile-nav > div > nav > .menu > li.menu-item {border-bottom: 1px solid var(--light-grey-1);padding: 12px 0;margin: 0;}.mobile-nav li {margin-bottom: 20px;}.mobile-nav .menu-item--expanded > .menu {margin-top: 20px;}.menu .menu-item--expanded:after {display: none}.overlay-on .menu .menu-item--expanded:after {background-image: var(--menu-arrow-white);}.mobile-nav .menu .menu-item--expanded .menu-arrow {transition: all 0.3s ease;content: '';position: absolute;border: none;width: 15px;height: 15px;right: 0;top: 4px;padding: 20px;background: url("/themes/ud/img/plus.svg")center no-repeat;}.mobile-nav .menu .menu-item--expanded > .menu {display: none;}.mobile-nav .menu .menu-item--expanded.menu-open > a {font-weight: 900;}.mobile-nav .menu .menu-item--expanded.menu-open .menu-arrow {background: url("/themes/ud/img/minus.svg")center no-repeat;}#edit-keys--2::-webkit-search-cancel-button, .search-form-overlay.show #edit-keys::-webkit-search-cancel-button {position: relative;right: 20px;-webkit-appearance: none;height: 20px;width: 20px;border-radius:10px;background-image: var(--search-cancel-white);background-position: center;background-size: contain;}#edit-keys::-webkit-search-cancel-button {position: relative;right: 20px;-webkit-appearance: none;height: 20px;width: 20px;border-radius:10px;background-image: var(--search-cancel-black);background-position: center;background-size: contain;}.hero-container {position: relative;overflow: hidden;min-height: 50px;text-align: center;background-color: var(--separatorColour);}.hero-container.has-image {background-color: var(--slate);}#hero-background {display: none;}.paragraph {position: relative;background-color: #fff;color: var(--dark-grey-3);overflow: hidden;}.paragraph img {height: auto;}.paragraph .row {padding: calc(var(--baseline) * 1.5) 0;margin-right: 0;margin-left: 0;}.paragraph .cards.row {padding: 0;justify-content: center;}.paragraph h2.paragraph-title {font-weight: var(--medium-weight-2);}.paragraph a:hover h2 {opacity: 0.6}.para-links {display: flex;gap: 1rem;}.para-links a {}.para-links a:hover {}.para-links a:active {}.para-links a:last-child {}.para-links a.link-external {background-image: url("/themes/ud/img/ext-link.svg");background-size: 20px;background-position: 94%;}.para-links a.link-pdf {background-image: url("/themes/ud/img/pdf-dark.png");background-size: 20px;background-position: 94%;}.bg-dark .link-pdf a.link-pdf, .bg-sky .para-links a.link-pdf, .bg-heather .para-links a.link-pdf, .bg-barley .para-links a.link-pdf {background-image: url("/themes/ud/img/pdf-light.png");background-size: 20px;background-position: 94%;}.bg-dark .para-links a.link-external, .bg-sky .para-links a.link-external, .bg-heather .para-links a.link-external, .bg-barley .para-links a.link-external{background-image: url("/themes/ud/img/ext-link-white.svg");background-size: 20px;background-position: 94%;}.para-links a.link-external.btn--secondary:hover {background-image: url("/themes/ud/img/ext-link-white.svg");}.para-links a.link-pdf.btn--secondary:hover {background-image: url("/themes/ud/img/pdf-light.png");}.bg-dark .link-pdf a.link-pdf.btn--secondary:hover, .bg-sky .para-links a.link-pdf.btn--secondary:hover, .bg-heather .para-links a.link-pdf.btn--secondary:hover, .bg-barley .para-links a.link-pdf.btn--secondary:hover {background-image: url("/themes/ud/img/pdf-dark.png");}.bg-dark .para-links a.link-external.btn--secondary:hover, .bg-sky .para-links a.link-external.btn--secondary:hover, .bg-heather .para-links a.link-external.btn--secondary:hover, .bg-barley .para-links a.link-external.btn--secondary:hover {background-image: url("/themes/ud/img/ext-link.svg");}.para-links a.link-external:after {display: none;}.bg-dark .para-links a:not(.btn),.bg-barley .para-links a:not(.btn),.bg-sky .para-links a:not(.btn),.bg-heather .para-links a:not(.btn) {border-color: #fff;background-image: var(--arrow-black-new);color: var(--off-black);}.bg-dark .para-links a:not(.btn):hover,.bg-barley .para-links a:not(.btn):hover,.bg-sky .para-links a:not(.btn):hover,.bg-heather .para-links a:not(.btn):hover {border-color: #fff;color: var(--off-black);text-decoration: underline;}.bg-dark .para-links a:active,.bg-barley .para-links a:active,.bg-sky .para-links a:active,.bg-heather .para-links a:active {outline: 1px dashed #fff;outline-offset: 2px;}.paragraph.x-pad-top {padding-top: 45px;}.paragraph.x-pad-bottom {padding-bottom: 45px;}.paragraph.x-pad-both {padding-top: 45px; padding-bottom: 45px;}.paragraph.xx-pad-top {padding-top: 90px;}.paragraph.xx-pad-bottom {padding-bottom: 90px;}.paragraph.xx-pad-both {padding-top: 90px; padding-bottom: 90px;}.view--press-releases a {display: block;width: 100%;border-top: 1px solid #fff;padding: calc(var(--baseline)) 0;background-image: var(--arrow-svg-white);background-repeat: no-repeat;background-position: 99% center;}.view--press-releases a:hover {opacity: 0.7;background-position: 100% center;}.view--press-releases a:last-child {border-bottom: 1px solid #fff;}.field-body img {max-width: 100%;height: auto;}.card .card-content {height: 100%;}.card .custom-card {height: 100%;background-color: var(--sky);color: var(--light-grey-1);transition: background-color 0.2s ease-out, opacity 0.2s ease-out;}.card:nth-child(2) .custom-card {background-color: var(--lichen);}.card:nth-child(3) .custom-card {background-color: var(--barley);}.card .custom-card .card-img {overflow: hidden;position: relative;}.card .custom-card .card-body {padding: 36px;
36display: flex;align-items: flex-end;}.card .card-img {background-color: var(--light-grey-2);}.card-img img {object-fit: cover;width: 100%;aspect-ratio: 5 / 3;}.card h2 {color: var(--off-black);font-size: var(--font-size-plus-2);}.card .custom-card h2 {color: #fff;line-height: 1.2;}.cards a .custom-card .card-img img {transition: transform 3s, filter 0.5s ease-in-out;transform-origin: center center;filter: brightness(75%);transform: scale(1);}.cards a:hover .custom-card .card-img img {transform: scale(1.1);filter: brightness(100%);}.cards a:hover .custom-card {background-color: var(--forest);}.cards a:hover .custom-card h2 {opacity: 1;}.card.hide {display: none;pointer-events: none;}.card-filter.row {padding-left: 15px;padding-right: 15px;padding-bottom: 60px;gap: 10px;position: relative;display: inline-flex;flex-wrap: wrap;}.card-filter.row.selected {padding-bottom: 5rem;margin-bottom: 1rem;}.card-filter .filter .js-filter {display: block;padding: 20px;border: 1px solid #4F7A8C;background: #4F7A8C;color: #fff;position: relative;pointer-events: auto;}.js-filter.selected {pointer-events: none;}.filter-button-clear {display: flex;flex-direction: row;gap: 10px;}.js-filter {padding: 28px 14px;font-family: 'Aeonik', sans-serif;color: #fff;background: #4F7A8C;border: 1px solid #4F7A8C;font-size: 20px;line-height: 30px;position: relative;}.js-filter:after{content: '';position: absolute;bottom: -22px;right: 8px;width: 50px;height: 22px;clip-path: polygon(100% 0, 0 0, 50% 100%);transform: scaleY(0);z-index: 0;pointer-events: none;transition: all .14s ease;transform-origin: top;}.js-filter.selected:after,.js-filter:hover:after {transform: scaleY(1);}.js-filter.blurred {background: #fff;color: #4F7A8C;}.js-filter:nth-of-type(1).blurred {background: #fff;color: #4F7A8C;}.js-filter:nth-of-type(1).selected,.js-filter:nth-of-type(1).selected.blurred,.js-filter:nth-of-type(1).not-active:hover,.js-filter:nth-of-type(1) {background: #4F7A8C;border-color: #4F7A8C;color: #fff;}.js-filter:nth-of-type(1):after {background: #4F7A8C ;}.js-filter:nth-of-type(1).not-active {background: #fff;color: #4F7A8C;}.js-filter:nth-of-type(2).blurred {background: #fff;color: #6D7769;}.js-filter:nth-of-type(2).selected,.js-filter:nth-of-type(2).selected.blurred,.js-filter:nth-of-type(2).not-active:hover,.js-filter:nth-of-type(2) {background: #6D7769;border-color: #6D7769;color: #fff;}.js-filter:nth-of-type(2):after {background: #6D7769 ;}.js-filter:nth-of-type(2).not-active {background: #fff;color: #33373D;}.js-filter:nth-of-type(3).blurred {background: #fff;color: #87744A;}.js-filter:nth-of-type(3).selected,.js-filter:nth-of-type(3).selected.blurred,.js-filter:nth-of-type(3).not-active:hover,.js-filter:nth-of-type(3) {background: #87744A;border-color: #87744A;color: #fff;}.js-filter:nth-of-type(3):after {background: #87744A;}.js-filter:nth-of-type(3).not-active {background: #fff;color: #33373D;}.js-filter:nth-of-type(4).blurred {background: #fff;color: #33373D;}.js-filter:nth-of-type(4).selected,.js-filter:nth-of-type(4).selected.blurred,.js-filter:nth-of-type(4).not-active:hover,.js-filter:nth-of-type(4) {background: #33373D;border-color: #33373D;color: #fff;}.js-filter:nth-of-type(4).not-active {background: #fff;color: #33373D;}.js-filter:nth-of-type(4):after {background: #33373D;}.js-filter:not(.selected):focus:after {transform: scaleY(1);}@media (max-width: 992px) {.js-filter {padding: 24px 11px;font-size: 18px;line-height: 28px;}}@media (max-width: 769px) {.card-filter.row {display: flex;flex-direction: column;gap: 24px;}}.card-filter-clear.hide {display: none;pointer-events: none;}.card-filter-clear {display: block;pointer-events: auto;align-self: center;}.js-clear-filter:hover {text-decoration: underline;}.card-filter-clear svg {fill: #202a44;width: 24px;height: 24px;margin-left: 15px;}.card-search-form-container {display: flex;align-items: flex-end;}.card-search-input-container {border-bottom: 2px solid var(--slate);flex-grow: 1;}.card-search-input {height: 45px;width: 100%;border: none;color: var(--off-black);font-size: 20px;line-height: 1.2;background-color: transparent;padding-right: 40px;}.card-search-input::placeholder {color: var(--off-black);}.card-search-button {border-bottom: 2px solid var(--slate);padding: 0px;}.card-search-icon-submit > * {fill: var(--sky);}.card-search-icon-close {padding: 8px 0px;position: absolute;right: 60px;top: 2px;}.card-search-form {margin-bottom: 2rem;}.cards .updated-date {display: none;}.cards.date-show .updated-date {display: block;}.paragraph--type--cards .cards.row {justify-content: flex-start;}.paragraph--type--cards .cards-title {display: flex; justify-content: space-between; margin-bottom: 55px; align-items: center;}.paragraph--type--cards .cards-title h2 {margin-bottom: 0;}.paragraph--type--cards .cards-title .all-investments-cta {font-size: 22px; line-height: 30px; display: flex; align-items: center; gap: 9px;}.cards-title .paragraph-title {padding-left: 15px;}@media (max-width: 575px) {.paragraph--type--cards .cards-title {flex-direction: column; gap: 18px; align-items: flex-start; margin-bottom: 20px;}}.separator {position: absolute;width: 100%;padding-bottom: 25px;}.separator.separator-above {top: 0;transform: scale(-1, -1);}.separator.separator-below {bottom: 0;}.separator::after {display: block;position: absolute;content: "";width: 50px;height: 50px;top: -49px;left: var(--separatorPos1);background-color: var(--separatorColour);clip-path: polygon(50% 50%, 0% 100%, 100% 100%);}.separator.separator-above:after {background-color: var(--slate);}.separator .separator-clip {position: absolute;width: 100%;padding-bottom:25px;}.separator .separator-clip:before, .separator .separator-clip:after {content:'';position: absolute;padding-bottom:inherit;background-color: var(--separatorColour);width: 100%;-ms-transform-origin: 100% 100%;-webkit-transform-origin: 100% 100%;transform-origin: 100% 100%;}.separator.separator-above .separator-clip:before, .separator.separator-above .separator-clip:after {background-color: var(--slate);}.separator .separator-clip:before {right: var(--separatorPos1);-ms-transform: skewX(45deg);-webkit-transform: skewX(45deg);transform: skewX(45deg);}.separator .separator-clip:after {left: var(--separatorPos2);-ms-transform: skewX(-45deg);-webkit-transform: skewX(-45deg);transform: skewX(-45deg);}.card .custom-card .card-img .separator {}.card .custom-card .card-img .separator:after {left: 10%;}.card .custom-card .card-img .separator .separator-clip:before {right: 20%;}.card .custom-card .card-img .separator .separator-clip:after {left: 80%;}.card .custom-card .card-img .separator:after,.card .custom-card .card-img .separator .separator-clip:before,.card .custom-card .card-img .separator .separator-clip:after {background-color: var(--sky);transition: background-color 0.2s ease-out;}.card:nth-child(2) .custom-card .card-img .separator:after,.card:nth-child(2) .custom-card .card-img .separator .separator-clip:before,.card:nth-child(2) .custom-card .card-img .separator .separator-clip:after {background-color: var(--lichen);}.card:nth-child(3) .custom-card .card-img .separator:after,.card:nth-child(3) .custom-card .card-img .separator .separator-clip:before,.card:nth-child(3) .custom-card .card-img .separator .separator-clip:after {background-color: var(--barley);}.cards a:hover .custom-card .card-img .separator:after,.cards a:hover .custom-card .card-img .separator .separator-clip:before,.cards a:hover .custom-card .card-img .separator .separator-clip:after {background-color: var(--forest);}.vertical-separator {position: absolute;height: 100%;top: 0;left:0;padding-left: 25px;}.vertical-separator::after {display: block;position: absolute;content: "";width: 50px;height: 50px;right: -50px;top: 10%;background-color: var(--slate);clip-path: polygon(50% 50%, 0 0, 0 100%);}.vertical-separator .separator-clip:before, .vertical-separator .separator-clip:after {content:'';position: absolute;background-color: var(--slate);height: 100%;width:25px;left: 0;-ms-transform-origin: 100% 100%;-webkit-transform-origin: 100% 100%;transform-origin: 100% 100%;}.vertical-separator .separator-clip:before {bottom: 25%;-ms-transform: skewY(-45deg);-webkit-transform: skewY(-45deg);transform: skewY(-45deg);}.vertical-separator .separator-clip:after {top: calc(75% + 50px);-ms-transform: skewY(45deg);-webkit-transform: skewY(45deg);transform: skewY(45deg);}.card .custom-card .card-img .vertical-separator:after,.card .custom-card .card-img .vertical-separator .separator-clip:before,.card .custom-card .card-img .vertical-separator .separator-clip:after {background-color: var(--sky);transition: background-color 0.2s ease-out;}.card:nth-child(2) .custom-card .card-img .vertical-separator:after,.card:nth-child(2) .custom-card .card-img .vertical-separator .separator-clip:before,.card:nth-child(2) .custom-card .card-img .vertical-separator .separator-clip:after {background-color: var(--lichen);}.card:nth-child(3) .custom-card .card-img .vertical-separator:after,.card:nth-child(3) .custom-card .card-img .vertical-separator .separator-clip:before,.card:nth-child(3) .custom-card .card-img .vertical-separator .separator-clip:after {background-color: var(--barley);}.cards a:hover .custom-card .card-img .vertical-separator:after,.cards a:hover .custom-card .card-img .vertical-separator .separator-clip:before,.cards a:hover .custom-card .card-img .vertical-separator .separator-clip:after {background-color: var(--forest);}
36.node-publication .banner .node-body {max-width: 520px; color: var(--dark-grey-1);}.node-investee .banner .node-body {max-width: 100%; color: var(--dark-grey-1);}.contact-section {padding-top: 84px;padding-bottom: 84px;}.field-body ul {margin-bottom: 20px;}.field-body ul li {position: relative;margin-bottom: calc(var(--baseline)/2);padding-left: calc(var(--baseline)*1.5);}.field-body ul li::before {background-color: var(--sky);content: '';display: block;width: 16px;height: 3px;position: absolute;left: 0;top: 11px;}.bg-dark .field-body ul li::before,.bg-barley .field-body ul li::before,.bg-sky .field-body ul li::before,.bg-heather .field-body ul li::before {background-color: #fff;}.document-dwn-cnt .separator::after {display: none;}.document-dwn-cnt {width: 100%;display: flex;flex-direction: column;padding-top: 24px;padding-bottom: 24px;border-top: 1px solid #C9C6C5;border-bottom: 1px solid #C9C6C5;font-size: 16px;margin-bottom: 42px;}.file-extension:before {content: '';position: relative;display: inline-block;width: 30px;height: 30px;background: url("/themes/ud/img/pdf-icon1.png");background-size: cover;top: 6px;margin-right: 10px;}.document-dwn-cnt .separator {position: relative;padding-bottom: 0;top: -2px;}a.doc-file {color: #45323B;}a.doc-file h2 {margin-bottom: 0;color: var(--sky);width: fit-content;position: relative;}a.doc-file h2:after {content: '';position: absolute;bottom: 0;left: 0;width: 0;height: 3px;background-color: var(--sky);transition: all 0.3s ease;}a.doc-file:hover h2{opacity: 1;}a.doc-file:hover h2:after {width: 100%;height: 2px;}.optional-msg {margin-top: 7px;}footer {background-color: var(--slate);font-size: var(--font-size-baseline);}footer .container {position: relative;}footer .container::before {position: absolute;display: block;content: "";width: 40px;height: 40px;top: -39px;background-color: var(--slate);clip-path: polygon(50% 50%, 0% 100%, 100% 100%);}footer nav ul {list-style: none;margin: 0;}footer nav ul li {flex: 50%;}footer .footer-legal {color: var(--mid-grey-1);border-top: 1px solid var(--mid-grey-1);padding: 24px 0;}footer .footer-logo {max-width: 90%;}.related-title {font-weight: 700;margin-bottom: 20px;}.related-items {display: flex;flex-direction: row;flex-wrap: wrap;gap: 30px;margin-bottom: 30px;}#publication-content .related-item, .press-release-latest .related-item{width: calc(50% - 15px);}.related-item {width: calc(33.33% - 20px);}.related-item .card-img {width: 100%;height: 240px;}.related-item .card-img img {width: 100%;height: 100%;}.related-item div.category-text {font-weight: 500;margin-top: 8px;}.related-item h2 {position: relative;display: inline;font-weight: 700;}.related-item h2:after {content: '';position: absolute;width: 0;bottom: 0;left: 0;height: 2px;background-color: #767676;transition: all 0.3s ease;}.related-item a:hover {color: #767676;}.related-item a:hover h2:after {width: 100%;}.related-item a:active {color: #1A1A1A;}.related-item a:active h2:after {background-color: #1A1A1A;}@media (max-width: 1439px) {.related-item {width: calc(33% - 20px);}}@media (max-width: 1199px) {.related-item {width: calc(50% - 15px);}}@media (max-width: 767px) {#publication-content .related-item , .press-release-latest .related-item{width: 100%;}.related-item {width: 100%;}.paragraph .cards.row .card, .para .img-grid-list.row .card, .paragraph .video-block-cnt .row > div {padding-left: 0;padding-right: 0;}}.is-front h1 {display: none;display: inline-block;}is-front h1,.is-front h1 p{font-size: 40px;line-height: 43px;font-weight: 400;}@media (min-width: 576px) {.is-front h1,.is-front h1 p {font-size: 50px;line-height: 105%;}}@media (min-width: 768px) {.is-front h1,.is-front h1 p {font-size: 60px;}}@media (min-width: 992px) {.is-front h1,.is-front h1 p {font-size: 65px;}}@media (min-width: 1200px) {.is-front h1,.is-front h1 p {font-size: 80px;}}.banner h1,.banner h1 p {font-size: 40px;line-height: 43px;font-weight: 400;color: var(--mid-grey-1);}.banner h1.hb {font-size: 42px;line-height: 52px;color: #33373D !important;max-width: 856px;}@media (min-width: 576px) {.banner h1,.banner h1 p {font-size: 50px;line-height: 105%;}.banner h1.hb {font-size: 48px;line-height: 60px;}}
36@media (min-width: 768px) {.banner h1,.banner h1 p {font-size: 60px;}}@media (min-width: 992px) {.banner h1,.banner h1 p {font-size: 65px;}}@media (min-width: 1200px) {.banner h1,.banner h1 p {font-size: 80px;}.banner h1.hb {font-size: 60px;line-height: 73px;}}.is-front .banner .hero-container, .node-publication_report .banner .hero-container, .node-blog .banner .hero-container {display: none;}.is-front .banner highlight {max-width: 290px;font-weight: normal;}.access-links {display: block; position: fixed; z-index: 999; left: 30px; top: -54px; opacity: 0; transition: all 0.3s ease; background-color: var(--light-grey-1);}.access-links.show {top: 0; opacity: 1;}a.mcl {padding: 15px; background-color: var(--light-grey-1); display: inline-block;}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;}table {width: 100%;}table tr {border-bottom: 1px solid var(--light-grey-2)}table tr:last-child {border-bottom: 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432 <span class="bc-item_label">Home</span> 433 </a> 434 <span class="bc-item_label title ">Bank publishes annual report and accounts 2026</span> 435 </div> 436 </nav> 437 438 </div> 439 440 441 <div class="row"> 442 <div class="col-12 col-md-4 text-baseline"> 443 <div><time datetime="2026-08-24T12:00:00Z">August 2026</time> 444</div> 445 </div> 446 <div class="col-12 col-md-8"> 447 <h1 class="mb-4 hb"> 448<span>Bank publishes annual report and accounts 2026</span> 449</h1> 450 </div> 451 </div> 452 </div> 453 </div> 454 <div class="container"> 455 456 <div class="row"> 457 <div class="col-12 col-md-4"></div> 458 <div class="col-12 col-md-8"><div class="field-body"> 459 <div> 460 461 462 <div> <picture> 463 <source srcset="/sites/default/files/styles/container_sm/public/2026-08/SNIB145-Title-card.jpg?itok=kiPaK-Mo 1x" media="all and (min-width: 768px)" type="image/jpeg" width="768" height="461"> 464 <source srcset="/sites/default/files/styles/container_xs/public/2026-08/SNIB145-Title-card.jpg?itok=hlWHsrtE 1x" media="all and (max-width:767px)" type="image/jpeg" width="576" height="346"> 465 <img loading="eager" width="576" height="346" src="/sites/default/files/styles/container_xs/public/2026-08/SNIB145-Title-card.jpg?itok=hlWHsrtE" alt="front cover of ARA 2026"> 466 467 </picture> 468 469</div> 470 471</div> 472<p> </p><p>The Bank has today published its <a href="https://www.thebank.scot/annual-report-and-accounts-2026">Annual Report and Accounts (ARA)</a>, covering the period 1 April 2025 to 31 March 2026. </p><p>The financial results reflect a challenging operating environment for early-stage businesses as well as operational progress for the development bank, which committed £374m to Scottish businesses and projects - the most in a single year since it was established - with a further £445m from other investors committed alongside its investments. </p><p>Despite operational progress, the Bank recorded a net loss of £138m, driven by realised losses (£65m) relating to the failure of three investments made in the early years of the Bank, and unrealised losses (£85m) due to re-evaluations of long-term assets, as well as anticipated losses relating to the failure of two further portfolio companies whose administration processes hadnât completed by 31 March. <sup>1</sup></p><h2>Continued progress</h2><p>When excluding investment losses, the Bank generated an operational profit of £12m, showing its continued progress in maintaining operational financial self-sustainability. The Bankâs income has consistently exceeded its operational costs since FY23/24.</p><p>Willie Watt, Chair of the Scottish National Investment Bank, said: âInvestment losses will always be present in a development bank portfolio, with a mandate to take on higher risk. However, the scale of the realised losses taken together with the provisions made against the portfolio is challenging. Many of these losses relate to the first three years of the Bankâs existence and predate tighter investment conditions that were introduced in 2023.</p><p>âOur learning and adapting is reflected in our current portfolio and investment practice, as well as our careful study of market trends. Businesses are facing a challenging funding and operating landscape, demonstrating that Scotland needs investors, like the Bank, with a long-term view, and this is reflected in the strength of our pipeline.â</p><p>Despite economic headwinds, many of the Bankâs portfolio companies are performing well and it anticipates successful exits in the future. To date, the Bank has committed £1.2bn and a further £1.9bn of capital invested alongside into Scottish businesses and projects.</p><h2>Ambitious plans</h2><p>Last month, the Bank published its updated <a href="https://www.thebank.scot/investment-strategy-2026-2027"> investment strategy</a> â the first to be overseen by its new CEO, David Ritchie â which strengthens the Bankâs commercial terms. </p><p>David Ritchie said: âWe have been learning lessons from previous investments while re-calibrating our processes to capitalise on the opportunities in the current Scottish market. We will continue to invest on market-based terms while crowding in private finance. We have ambitious plans, aligned to our clear purpose of accelerating a sustainable, innovative and inclusive Scottish economy.</p><p>
472âWe concluded several significant investments last year, alongside notable institutional investors. Our £50m investment in Octopus Capitalâs Affordable Housing Fund introduced a new model of affordable housing to Scotland.</p><p>âWe are also looking at how we can support energy security and grid stabilisation, as reflected by our £45m investment in Highviewâs long-duration energy storage (LDES) facility at Hunterston. And we continue to support promising innovation with demonstratable income generation, like our £3m investment in healthtech business Bioliberty, which led the firmâs Series A round.</p><p>âLooking ahead, we are focused on strengthening the Bankâs long-term capability. That includes improving our ability to retain and recycle capital to sustain investment over time, entering the market to raise and manage third party capital and continuing to invest in Scottish projects and businesses that drive long-term economic value and societal benefit.â</p><ol><li> Losses connected to the failures of Krucial, M Squared and Trojan had crystallised by end of financial year and are therefore recorded as realised losses. The administration processes for Orbex and Pneumowave will complete in the next financial year, so losses are recorded as unrealised. </li></ol> 473</div> 474</div> 475 </div> 476 </div> 477 478 <div> 479 <div> <div class="paragraph paragraph--type--section paragraph--view-mode--default"> 480 <div class="container"> 481 <div class="row"> 482 <div class="col-12 col-md-12"> 483 484 </div> 485 </div> 486 </div> 487 </div> 488</div> 489 <div> <div class="paragraph paragraph--type--section paragraph--view-mode--default"> 490 <div class="container"> 491 <div class="row"> 492 <div class="col-12 col-md-12"> 493 494 </div> 495 </div> 496 </div> 497 </div> 498</div> 499 </div> 500 501 502 <div class="container press-release-latest"> 503 <div class="row"> 504 <div class="col-12 col-md-4"></div> 505 <div class="col-12 col-md-8"> 506 <div class="related-title">Latest news</div> 507 <div class="related-items"> 508 <div class="related-item card-content"> 509 <a href="/highland-broadband-networks-nearly-double-its-inverness-workforce"> 510 <div class="custom-card"> 511 <div class="card-img"> 512 <img src="/sites/default/files/2026-09/Inverness_Full_Team_Photo_V1_%28Our%20Story%29.jpg" alt="Highland Broadband Networks team" loading="lazy"> 513 </div> 514 <h2 class="pt-1">Highland Broadband Networks nearly double its Inverness workforce </h2> 515 </div> 516 </a> 517 </div> 518 <div class="related-item card-content"> 519 <a href="/bank-invests-ps195-million-to-help-create-370-build-to-rent-homes-in-edinburgh"> 520 <div class="custom-card"> 521 <div class="card-img"> 522 <img src="/sites/default/files/2026-09/roof%20top%20photo.jpg" alt="Little France investment team roof top photo" loading="lazy"> 523 </div> 524 <h2 class="pt-1">Bank invests £19.5 million to help create 370 build-to-rent homes in Edinburgh </h2> 525 </div> 526 </a> 527 </div> 528 </div> 529 </div> 530 </div> 531 </div> 532 </article> 533 534 </div> 535 536 </div> 537 538 539 <div class="bg-sky"> 540 <div class="contact-section container"> 541 <div class="row"> 542 <div class="col-12 col-lg-4"><h2>How the Bank invests</h2></div> 543 <div class="col-12 col-lg-8"><p>If you want to explore the Bank's investment process, missions and success visit 'Make an investment enquiry' page to learn more.</p> 544 <a class="btn btn--secondary" href="/make-an-investment-enquiry/">Make an investment enquiry</a> 545 </div> 546 </div> 547 </div> 548 </div> 549 </main> 550 <footer role="contentinfo" itemscope itemtype="http://schema.org/WPFooter"> 551 <div class="container bg-dark"> 552 <div class="row pt-5"> 553 <div class="col-12 col-lg-4"> 554 <a aria-label="Home" href="/"> 555 <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 715.2 54.7" class="footer-logo"> 556 <path class="the-bank" fill="#FFF" d="M100.8 12.3v3h-8.6v23.5h-3.3V15.3h-8.6v-3h20.5zM120.4 28v10.7h-3.1V28.2c0-2-.5-3.5-1.4-4.6-.9-1-2.2-1.6-3.9-1.6-1.8 0-3.2.6-4.3 1.9s-1.6 3-1.6 5.1v9.7H103V12.3h3.1v10.4c.6-1 1.5-1.8 2.5-2.5 1-.6 2.3-.9 3.8-.9 2.3 0 4.2.7 5.7 2.1s2.3 3.6 2.3 6.6zm7.3-7.5c1.4-.8 3-1.2 4.8-1.2s3.3.4 4.7 1.1 2.4 1.8 3.2 3.2c.8 1.4 1.2 3 1.2 4.9 0 .3 0 .7-.1 1.3h-15v.2c.1 1.9.6 3.4 1.7 4.5s2.6 1.7 4.4 1.7c1.4 0 2.6-.3 3.5-1 1-.7 1.6-1.7 1.9-2.9h3.1c-.4 2-1.3 3.6-2.8 4.8s-3.4 1.9-5.6 1.9c-1.9 0-3.6-.4-5-1.2-1.4-.8-2.6-2-3.3-3.5-.8-1.5-1.2-3.2-1.2-5.2s.4-3.7 1.2-5.2c.8-1.4 1.9-2.6 3.3-3.4zm8.9 2.9c-1.1-.9-2.4-1.4-4.1-1.4-1.5 0-2.8.5-3.9 1.4-1.1 1-1.7 2.2-1.9 3.7h11.7c-.2-1.6-.8-2.8-1.8-3.7z"></path> 557 <path fill="#A8A7A5" d="M160 34.4c1.3 1.1 3 1.6 5 1.6 1.8 0 3.3-.4 4.4-1.2 1.1-.8 1.7-1.9 1.7-3.3 0-1-.3-1.9-.9-2.5-.6-.6-1.4-1.1-2.4-1.3-1-.3-2.3-.6-4-.9-2.6-.5-4.8-1.2-6.3-2.2-1.6-1-2.3-2.7-2.3-5 0-1.5.4-2.8 1.1-4 .8-1.1 1.8-2 3.2-2.7 1.4-.6 2.9-.9 4.7-.9 1.9 0 3.5.3 5 1 1.4.7 2.6 1.6 3.4 2.9.8 1.2
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603-1.3 2.95-2.93 2.96zm21.47 18.51h-5.05v-7.93c0-1.89-.04-4.31-2.63-4.31-2.63 0-3.03 2.05-3.03 4.18v8.06h-5.05V8.106h4.85v2.22h.07a5.31 5.31 0 014.79-2.63c5.12 0 6.06 3.37 6.06 7.75l-.01 8.95z"></path> 604 </svg> 605 </a> 606 </div> 607 </div> 608 <div class="footer-legal">The Scottish National Investment Bank (âthe Bankâ) is a development finance company established under the Scottish National Investment Bank Act 2020. The Bank is a public limited company, registered in Scotland with company number SC677431, and is not authorised or regulated by the Financial Conduct Authority (FCA) or the Prudential Regulatory Authority. The Bank and its subsidiaries are not banking institutions and do not accept deposits. Scottish Investments Limited, registered in Scotland under company number SC681617, is authorised and regulated by the FCA (FRN: 985298) but does not provide any investment advice or personal recommendations.</div> 609 </div> 610 </footer> 611 </div> 612 613 </div> 614 615 616<style media="all"> 617 @import url("/themes/ud/css/stylenc.css"); 618</style> 619
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